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2025.10 Replace: The brand new supply is 85k.
2025.9 Replace: The upper supply is expired. At present there’s solely a 50k supply.
2025.7 Replace: This card is totally renewed, and the annual price is elevated from $69 to $99. The welcome supply is elevated to 100k, which is one of the best ever supply on this card. The brand new advantages are marked with [New] under.
Utility Hyperlink
Advantages
- 85k supply: earn 85,000 Southwest Miles after spending $3,000 on purchases within the first 3 months. The latest greatest supply is 100k.
- We worth Southwest Miles at 1.3 cents/level (Airline Miles Value), so the 100k highest supply is value about $1,300. See A Beginner’s Guide to Southwest Miles for particulars about Southwest Miles.
- [New] Earn 2x miles per greenback spent on Southwest Airways; Earn 2x miles per greenback spent at fuel stations and grocery shops on the primary $5,000 in mixed purchases per anniversary 12 months; Earn 1x mile per greenback spent on all different purchases.
- Obtain 3,000 Southwest Miles yearly in your Cardmember anniversary.
- [New] First checked bag free. Cardmembers and as much as 8 further passengers in the identical reservation can verify their first bag at no further value.
- [New] Customary Seat Choice inside 48 hours previous to departure, when accessible. If you happen to don’t have a co-branded bank card or elite standing, the bottom fare on Southwest solely lets you choose your seat at check-in.
- [New] Cardmembers and as much as 8 passengers in the identical reservation will board with Group 5.
- [New] Obtain a ten% promo code annually in your cardmember anniversary (Excludes Primary fare).
- 2 EarlyBird Verify-In per 12 months. [New] This profit will finish on Dec 31, 2025.
- 25% again on in-flight purchases.
- If you happen to earn 125k Southwest miles in a 12 months, you get the Southwest companion go certificates which is legitimate till the top of subsequent calendar 12 months!
- [New] 10,000 companion Go qualifying factors enhance annually.
- [New] No international transaction price.
- Refer a pal (focused): You’ll be able to earn 5,000 bonus Southwest miles for each authorized account you refer, as much as a most of 10 authorized referrals (50,000 Southwest miles) per calendar 12 months.
Disadvantages
- [New] Annual price $99, not waived first 12 months.
- Southwest doesn’t have airways companions, so the miles can solely be redeemed for flights on Southwest Airways itself. Southwest solely flies domestically throughout the USA and to/from Mexico, Central America, and the Caribbean.
Advisable Utility Time
- [5/24 Rule] In case you have 5 or extra new accounts opened previously 24 months, Chase won’t approve your utility for this card, irrespective of how excessive your credit score rating is. The variety of new accounts contains all bank card accounts open over 24 months, not solely Chase accounts. See this post for particulars about learn how to probably bypass this rule.
- This product is offered to you should you wouldn’t have any Southwest private bank card and haven’t obtained a brand new cardmember bonus for any Southwest private bank card previously 24 months. Observe that what issues right here is the time you bought the sign-up bonus, not the time you open the account or shut the account.
- Don’t apply for greater than 2 Chase bank cards inside 30 days.
- We suggest you to use for this card after you could have a credit score historical past of greater than a 12 months.
Abstract
The welcome bonus is strong. When the bonuses are at their peak, making use of for one private and one enterprise Southwest card collectively can earn you over 125k Southwest factors—sufficient to unlock the Companion Go instantly. (Observe: You’ll be able to not apply for 2 private Southwest playing cards throughout the identical 12 months.) If you happen to solely apply for a private card and skip the enterprise card, it’s really fairly onerous to earn the Companion Go. For the reason that Companion Go is legitimate for the rest of the 12 months you earn it plus your complete following 12 months, making use of early within the calendar 12 months provides you the longest doable validity. So should you’re eyeing Southwest, the start of the 12 months is one of the best time to go for it.
At present, you may solely maintain one of many three private Southwest playing cards. If you happen to don’t fly Southwest typically and are simply in it for the signup bonus, the Southwest Plus card—with the bottom annual price—is your greatest wager.
After the 2025 refresh and annual price will increase throughout the Southwest lineup, there’s actually not a lot long-term worth in preserving these playing cards. They’re principally simply good for the welcome bonus.
Associated Credit score Playing cards
| Chase Southwest Plus | Chase Southwest Premier | Chase Southwest Precedence | Chase Southwest Premier Enterprise | Chase Southwest Efficiency Enterprise | |
|---|---|---|---|---|---|
| Annual Charge | $99 | $149 | $229 | $149 | $299 |
| Annual Miles | 3,000 | 6,000 | 7,500 | 6,000 | 9,000 |
The present phrases pressure you to decide on just one private Southwest bank card among the many three. However you may have each private and enterprise playing cards.
Advisable Downgrade Choices
- You can’t downgrade this card to any card with no annual price, so I counsel you shut it once you don’t wish to preserve it any longer.
After Making use of
- Name 800-436-7927 to verify Chase utility standing. That is an automatic phone line, and the response from the automated line will probably be one of many following: Obtain resolution in 2 weeks means your utility might be authorized; Obtain resolution in 7-10 days means your utility might be rejected; Obtain resolution in 30 days merely means your utility requires additional evaluate and there’s nothing to let you know for now. Observe that is all anecdotal, and your utility might swap from one standing to a different all through the appliance course of.
- Chase reconsideration backdoor quantity: 888-270-2127 or 888-609-7805. Name it should you didn’t get instantly authorized.
Historic Provides Chart
Observe: Typically there may be 50k+50k supply on this card. However the spending requirement for the latter 50k is big, so we don’t deal with them as sign-up bonus, we deal with them as spending bonus as a substitute.
